SoFi Personal Loan vs. Upstart Personal Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
WealthSpott Verdict
SoFi Personal Loan and Upstart Personal Loan are closely matched. The right choice depends on your credit profile, desired loan amount, and how quickly you need funding.
Feature
SoFi Personal Loan
Upstart Personal Loan
APR Range
8.99% – 25.81%
6.40% – 35.99% Best
Loan Amount
$5,000 – $100,000 Best
$1,000 – $50,000
Term Length
24–84 months
36–60 months
Origination Fee
None Best
0–12% of loan amount
Min Credit Score
680+
300+ Best
Funding Speed
Same day
1 business day
SoFi Personal Loan
Pros
- No origination or prepayment fees
- No origination or prepayment fees
- Unemployment protection available
- Unemployment protection available
- Fast online application
- Fast online application
Cons
- Good credit typically required
- Good credit typically required
- Not available in all states
- Not available in all states
Upstart Personal Loan
Pros
- Considers education and job history
- Considers education and job history
- May approve fair credit
- May approve fair credit
- Fast 1-day funding
- Fast 1-day funding
Cons
- APR can be high for some
- APR can be high for some
- Origination fee possible
- Origination fee possible
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